Uk farm insurance specialist FarmWeb has advised farmers that achieving low competitive premiums will be increasingly determined by risk management policies in the future.

Bob Blackburn, who is the head of FarmWeb said: "The only long-term method of reducing insurance costs is by reducing the risk, and this should be done in conjunction with professional insurance advisors whose job is to give impartial advice and assistance in this field.

"While premium levels will remain a key influence in the purchase of the policy, the emphasis should not be solely on this, but on the cover of the policy itself and on its ability to reflect changing farming needs."